Includes copyrighted material of Insurance Services Office, Inc., with its permission.

Words and Terms Used throughout the Policy

Summary: The 2011 version of homeowners form HO 00 03 05 11 makes a few changes for the sake of clarification; there are no changes in coverage in the definitions. ISO continues the practice that any word or phrase in quotation marks in the policy itself will be found on the first pages of the policy. This discussion focuses on those words or phrases. Other terms defined in the policy—pollution, for example—will be discussed within the context of the particular section of the policy in which they appear.

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